Credit

Cash – £25.31
Santander – £1,235.00
Halifax C/A – £1,809.92
TSB- £156.78
Credit total – £3,227.01

Debts
Capital One C/C – £15.00
MBNA C/C – £3,506.70
Santander C/C – £3,277.07
Virgin Atlantic C/C – £265.62
Loan from Mum – £6,000.00
Debt total – (£13,014.33)

Net worth
£3,227.01 – £13,014.33 = –£9,787.32